Effective November 19, 2008

Share Certificates - Dividends paid quarterly
Minimum Amount Term APR* APY**
$500 6 months 2.45% 2.473%
$500 12 months 2.65% 2.676%
$10,000 12 months 2.75% 2.778%
       
High Yield Shares - Dividends paid quarterly
Minimum Amount APR* APY**
$1,000 to $4,999 1.50% 1.508%
$5,000 to $14,999 1.80% 1.812%
$15,000 to $39,999 2.15% 2.167%
$40,000 and greater 2.50% 2.524%
     
Share Draft (checking)
Minimum amount to receive dividend APR* APY**
$300.00 1.00% 1.004%
     
Share Deposits
Minimum amount to receive dividend APR* APY**
$25.00 0.75% 0.752%
     

*Annual Percentage Rate
**Annual Percentage Yield